Wells Fargo Active Cash – How to Apply

By Raquel Oliveira • 02/28/2025

Wells Fargo Active Cash: Earn 2% cash back on every purchase, no categories or restrictions.

The Wells Fargo Active Cash Card is a simple yet rewarding credit card offering unlimited 2% cash back on all purchases, a $200 sign-up bonus, and no annual fee, making it a cost-effective choice.

Designed for those who prefer hassle-free rewards, it eliminates spending categories and activation requirements, ensuring that every purchase earns consistent cash back without extra effort or strategic planning.

With a 0% introductory APR for 12 months on purchases and balance transfers, this card is ideal for large expenses or debt consolidation, providing financial flexibility while minimizing interest costs.

Offering security, convenience, and easy account management, the Wells Fargo Active Cash® Card is a practical everyday option for users looking to maximize financial rewards and maintain spending flexibility.

How does Wells Fargo Active Cash work?

This card works by offering 2% cash back on every purchase, with no restrictions or categories to track. 

Whether you’re shopping for clothes, paying for meals, or making any other type of purchase, you earn a consistent 2% cash back on everything. This simplicity makes it a great option for anyone who prefers not to deal with rotating categories or complicated reward systems.

In addition to the cash back, the card offers a sign-up bonus for new cardholders, which provides a large number of bonus points after you meet a minimum spending requirement.

This card also provides a 0% introductory APR on purchases and balance transfers for the first 15 months, which makes it a great option for those who want to make large purchases or transfer existing credit card debt without paying interest.

Main Benefits of the Wells Fargo Active Cash Card

• Visa Signature benefits – Get access to perks like travel protections and concierge services.
• Unlimited 2% cash rewards – Earn 2% cash back on every purchase, no categories or restrictions.
• $200 welcome bonus – Spend $500 in the first 3 months and get a $200 cash reward.
• 0% intro APR for 12 months – Enjoy interest-free purchases and balance transfers for a year.
• No annual fee – Keep more of your rewards without extra costs.
• Flexible redemption options – Redeem cash back as a statement credit, direct deposit, or gift cards.

How Does the Wells Fargo Active Cash Work?

• Earn 2% cash back on all purchases – No need to track spending categories or activate rewards.
• 0% intro APR for 12 months – No interest on purchases or balance transfers in the first year.
• Multiple ways to redeem rewards – Use your cashback as a statement credit, direct deposit, or redeem for gift cards.
• No annual fee – Enjoy all benefits without paying an annual membership fee.
• Security features – Fraud monitoring, zero liability protection, and mobile card controls for safer transactions.

These features make the Wells Fargo Active Cash a great option for consumers who want effortless rewards and financial flexibility.

Potential Drawbacks of the Wells Fargo Active Cash

• Foreign transaction fee – A 3% fee applies when using the card internationally.
• High APR after the intro period – Variable APR between 19.49% and 29.49% after the first year.
• No bonus categories – Some other cards offer higher rewards in categories like dining or travel.
• Balance transfer fee – 3% fee for the first 120 days, then 5% for all transfers.

For travelers or users looking for high bonus categories, other credit cards may offer better perks. However, for flat-rate cash back on every purchase, this card is still an excellent choice.

APR and Fees of the Wells Fargo Active Cash

• 0% intro APR for 12 months – On purchases and qualifying balance transfers.
• Variable APR after the intro period – Ranges from 19.49% to 29.49%, based on creditworthiness.
• No annual fee – Keep more of your cash back rewards.
• Foreign transaction fee – 3% charge on purchases made outside the U.S.
• Balance transfer fee – 3% fee for transfers in the first 120 days, then increases to 5%.
• Late payment fee – Up to $40 if you miss a payment.
• Cash advance fee – 5% of the amount withdrawn or a minimum of $10.

These fees can add up, so it’s best to pay off balances in full each month to avoid unnecessary interest.

How to Apply for the Wells Fargo Active Cash Card

1. Visit the Wells Fargo website – Navigate to the credit card application page.
2. Complete the application form – Provide your personal information, including name, address, Social Security number, and income details.
3. Check your credit score – A good to excellent credit score increases your approval chances.
4. Submit the application – Wells Fargo will conduct a credit check and notify you of approval status.
5. Receive and activate your card – If approved, your card will arrive by mail within a few business days.
6. Start earning rewards – Use your card to earn unlimited 2% cash back on every purchase.

The process is quick, easy, and accessible online, making it convenient for new applicants.

Additional Benefits for Cardholders

Wells Fargo Active Cash cardholders get exclusive perks such as:

• Visa Signature benefits – Includes concierge services, hotel upgrades, and premium travel perks.
• Cell phone protection – Pay your phone bill with the card and receive coverage for damage or theft.
• Roadside assistance – Emergency services like towing and fuel delivery.

These extra perks make the card more valuable for everyday and emergency situations.

Is the Wells Fargo Active Cash the Right Card for You?

The Wells Fargo Active Cash is a great option for users who want a simple, no-hassle cash back card.

• Perfect for: Those who want unlimited 2% cash back with no categories and no annual fee.
• Not ideal for: Frequent travelers due to foreign transaction fees or users seeking higher category-based rewards.

With its combination of flat-rate rewards, a strong welcome bonus, and an introductory 0% APR offer, the Wells Fargo Active Cash is one of the best no-annual-fee credit cards for everyday spending.